TTC_09_9_20_Vol.16-No.46

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Page 8www.TheTownCommon.comSeptember 9, 2020Community AnnouncementsCommunity Announcements,from page 7during the Museum’s off-hours.• Main entrance and bathroomdoors have been redesigned to openautomatically for touch free access.Georgetown Fire andPolice DepartmentsOffer Tips to CreateFamily EmergencyPlan, BuildEmergency KitGEORGETOWN — GeorgetownFire Chief Fred Mitchell andPolice Chief Donald C. Cudmoreoffer residents tips about makingan emergency plan and kit to prepareyour family for any emergencyduring Emergency PreparednessMonth.September has been declared byGov. Charlie Baker to be EmergencyPreparedness Month. Residents areencouraged to use resources providedby the Massachusetts EmergencyManagement Agency (MEMA)to prepare themselves, their family,their property and their communityfor an emergency or natural disaster."We strongly encourage all of ourresidents to be proactive when itDory is still missing….without a trace….we have reason tobelieve that she may have been picked up by someone who wasdriving on Argilla Road. Dory is very much a part of our family.She is “the spoiled little sister” who has left a gaping hole withher absence. It is heartbreaking not to know where she is or howshe is. She has had 2 significant surgeries and desperately needsher medication. Dory is very easy to love and we understand whysomeone would want to keep her but we ask you please to bring herhome. You can bring Dory to the Police Department in Ipswich,say you found her, and there will be no questions asked. Or, if yousee a neighbor with a new, older shepherd, or saw someone puttingher into their car, please let us know. We appreciate your help andthank you very much in advance.comes to preparing for an emergencyor natural disaster," Chief Mitchellsaid. "Time can be of the essence whensuch events occur, so it's vital to makesure everyone, including younger childrenand older adults, know what todo should disaster strike."Emergency plans and kits shouldinclude everyone in your householdincluding individuals with accessand functional needs, seniors, children,infants and pets. Consider anyadditional supplies needed for basicsurvival and familiarizing yourselfwith the emergency plans that are inplace at your workplace, children’sschool or daycare or other placeswhere your family spends time.When creating family emergencyplans and kits, residents shouldtake into consideration the ongoingCOVID-19 pandemic. Residentsshould add items such as face coverings/masks,disinfectants, handsanitizer and other cleaning suppliesto their emergency kits. Residentsshould also identify emergency contactswho are not immunocompromisedand meeting locations wherefamilies can maintain adequatephysical distance from one another."Following these steps will go along way towards protecting thehealth and safety of you and yourfamily should a disaster occur,"Chief Cudmore said. "We stronglyencourage you to stock your emergencykits, and regularly review andpractice your emergency plans withyour family. As always, the GeorgetownPolice and Fire Departmentswill be available to help anyone inneed during an emergency as well."Establish Meeting Locations andEmergency Contact Plans• Select two family meeting locationswhere your family can reuniteafter a disaster. Choose one close tohome and one farther away in caseyou are asked to evacuate or cannotreturn to the area.• Ask an out-of-state friend or relativeto serve as your family’s emergencycontact. After a disaster, itmay be easier to call long distance tounaffected areas.• Provide every family memberwith the name, address and phonenumber of the emergency contactand make sure each family memberhas a cellphone or a prepaid phonecard.• Inform your emergency contactof any family member’s special needsor medical issues.• Identify alternative communicationmethods: texting or social mediacan also be effective tools to letfriends and family know your locationand status during an emergency.Plan How to Evacuate• Identify and practice how youwill exit your home.• Establish possible evacuationroutes to ensure you are able to get toyour designated meeting location(s).• Identify available modes of transportation.Make arrangements withfamily, neighbors or friends if youdon’t have personal transportation.• Your evacuation plan should includepets. Since you will not knowhow long you will be gone, you musttake your pets and all necessary petsupplies with you.Plan How to Shelter in Place• Designate safe room(s) withinyour home. They should have as fewwindows or doors as possible andaccess to television, radio and telephonesor cell service.• Make sure you have necessary suppliesand can access your emergency kit.• If you receive medical treatmentsor home health care services,work with your medical providerto determine how to maintain careand service if you are unable to leaveyour home for a period of time.Practice Your Plan• Practice your emergency plan atleast two to three times per year withall members of your family.• To practice your plan, test youremergency communications plan,assemble at your meeting locationsand practice your evacuation routes.Update your plan with any changes,if necessary, after you practice.• Also, as a part of Emergency PreparednessMonth the GeorgetownFire and Police Departments encouragefamilies to build an emergencykit. MEMA recommends that emergencykits include essential itemsthat will provide your family memberswith basic necessities for up tothree days in an emergency event.Essential Items to Include in anEmergency Kit:• Water: Bottled water (one gallonper person/per day for at least threedays), water purification tablets• Food: At least a three-day supplyof non-perishable foods that do notneed cooking (ready-to-eat cannedmeats, fruits or vegetables, or juices,protein or granola bars, cereal, peanutbutter, dried fruit, nuts, crackers,baby food and comfort foods)• Tools and Supplies: Manual canopener, radio (powered by battery orhand crank), flashlight or lantern, extrabatteries, cell phone with charger,wrench, pliers and other basic tools• Personal Items: Prescriptionmedications (two-week supply), personalhygiene items, eyeglasses, contactlenses, dentures, extra batteriesor supplies for medical equipment,change of clothes, sturdy shoes• Documents: Insurance policies,bank account records, identificationcards (IDs), medical information andother copies of important documents• Money: Extra cash and traveler’schecks (ATMs may not work duringa power outage)• Other Items: First-aid kit, emergencywhistle, waterproof matches/lighter, local area maps, sleepingbags or blankets, comfort items suchas books or games• Also consider: A watch or clock,disposable kitchenware, duct tape,plastic sheeting or tarp to protectagainst the elements
Roasted With PassionFreshlyonline atExploreoff for new customers online15%code newcustomer at checkoutuseSeptember 9, 2020www.TheTownCommon.com Page 9What Does That Mean?By John McCarthy, Rowley RealtyBeing a REALTOR® I sometimesforget that my buyers or sellersare not familiar with all the realestate lingo. Therefore, when I saythings like EMD or HOA and youlook at me like I have two heads Iremind myself when you are notactually in the industry.Here are some definitions ofcommon real estate terms thatcould help you feel more comfortablewhen purchasing a house.With an understanding theseterms, you may feel confidentwhen negotiating when buying orselling a home or not look at yourREALTOR® sideways.EMD: Earnest Money Deposit.Similar to Good Faith Deposit.When you make an offer to purchasea home you put money behindthat offer as an act of goodfaith. This money is typically putinto an escrow account at the seller’sreal estate office. If for somereason you default on your contingenciesthe seller would keepthese deposits.HOA: Home Owners Association.Found in condo complexes,it is a charge that is assessed on amonthly basis to each homeownerfor upkeep. Typically includeshomeowner’s insurance, landscaping,snow removal and trash pickup.Contingencies: These are conditionswritten into a contract thatmust be met to sell. Typical contingenciesare the home inspectionand the buyer’s financing.Due Diligence: Actions that abuyer or buyer’s agent will performprior to sale. A buyer maywant to investigate whether or notthere are any plans to develop theland around the one they are purchasing.Debt to Income Ratio: A percentageof all your monthly debtdivided by your gross monthlyincome. This number is one waya bank or Mortgage Companymeasures your ability to repay themoney you have borrowed.Closing Costs: Fees and chargesassociated with the closing of yourloan. Paid at the closing table theycan include but aren’t limited toescrows of insurance, taxes andmortgage payments required byyour lender.FICO Score: A numerical valuecalculated by three credit companiesto give you your credit score.Typically banks or mortgage companiesneed a score over 650 togive you the best rates.Points: Buyers have the optionof “buying” points to reducetheir mortgage interest rate. Eachpoint is equal to 1% of the valueof the loan. As an example, if youpay one “point” or $3,000 on a$300,000 loan you could reduceyour interest rate from 3.25% to3%.PMI: Private Mortgage Insurance.PMI is an insurance premiumpaid by the buyer to the lenderto protect the lender if you are unableto pay your mortgage. Banksor mortgage companies can requirethis if your down payment is lessthan 20% of the purchase price.This charge can vary but whateveramount it is it does not reducethe principal amount on your loan.Once you have 20% equity in thehome (this is determined by a bankapproved appraiser), this insuranceis discontinued.Title Search: A historical reviewof all recorded legal documentspertaining to the ownership ofproperty to determine if there havebeen any errors in prior transfers ofownership. A title search is doneprior to closing and even after thepaperwork has been done at theclosing an examiner will check tosee if any subsequent liens haveCOMPLETE COMPUTER SALES AND SERVICE978-356-0635 • 26 Market Streetwww.scottnetworks.netBACK TO SCHOOLWe have new and used PCs, Apple computers,and handheld devices for remote learningWe fix all Apple and Microsoft productsWISHING HEALTH & SAFETY TO OUR IPSWICH COMMUNITYCommercial & ResidentialBook with us and get15% Discount at El Tapatiobeen placed on the property.Title Insurance: An insurancepolicy that protects the ownerand/or lender against potentialerrors in the chain of title or unexpectedclaims of ownership. Mostlenders require the buyer to purchasea title insurance policy onthe amount they are lending. Theowner’s policy that protects thebuyer from title defects requiresan additional charge.These are only a few of the mostcommon terms thrown around inthe real estate world every day. Havingan understating of what theymean can help you smoothly navigatethrough what can at times seemlike learning a foreign language.If you have any questions aboutthis article, real estate in general orare looking to buy or sell a homeplease contact me, John McCarthyat Rowley Realty, 165 Main St.,Rowley, MA 01969, Phone: 978948-2758, Cell 978 835-2573 orvia email at john@rowleyrealestate.comSpecialty Coffee Roasters in Rowley MAhttps://burwellbeans.comContact: info@burwellbeans.com 978 883 6017118 Lafayette Rd, North Hampton, NH 03862Tuesday to Saturday 10 AM — 4 PM603-964-0062www.allseasonsconsignment.comWe offer:Consignment & Sales of Furniture & DécorHome Packing ServicesHome StagingBox Express Shipping* Mention this ad and receive 10% on your next purchase *
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